Investra Benefit “Investment with Extra Benefits”

Whole Life Protection
- Investra Tunggal with Personal Premium Payment
  Protection as much as liabilities funds or Investment value depends on which is greater.
- Investra Premier with Periodic Premium Payment
  Will be given as much as Liabilities funds and Investment Value.

Protection from Uncured Illness

Protection with 50% from Liabilities funds, if you have been diagnosing with critical illness; and your life span not more than 12 months with medical records as proved. Rest of Liabilities fund will be given after pass away.

Description of Investment Fund Type on Investra

Money Market Plus Funds
This type target is to manage the high capital value and liquidity level with investing some part of portfolio on Money Market Instrument and place the rest on Obligation and Equities to increased portfolio return value.

Money Market Plus Funds can make an investment on sold Obligation in Public Market or on Foreign Exchange with rules and laws that applied.
Bond Funds
This investment has purpose to maintain and gain Investment value with actively invest on Fixed Income in Indonesia, such as Obligation, Corporate Obligation and Money Market

Bond Funds can make an investment on sold Obligation in Public Market or on Foreign Exchange with rules and laws that applied
Balanced Funds
This investment had purpose to gain investment value for long term with investment on Capital Market and Fixed Income Market in Indonesia to emphasize flexibility on asset to maximize Investment return value.

Balanced Funds can make an investment on sold Obligation and Equities in Public Market or Foreign Exchange with rules and laws that applies in Indonesia
Balanced Progressive Funds
This investment had purpose to gain optimal return of investment with investment on Obligation, Money Market and Equities. Portfolio management will be dominate by investment strategy that has been adapt with condition of market like market growing, market income, segment and/or another investment strategic. In the end with purpose to increase return of investment on those markets

Balanced Progressive Funds can make an investment on sold Obligation and Equities in Public Market or Foreign Exchange with rules and laws that applies in Indonesia.
Equity Income Funds
This investment had purpose to gain optimum return of investment in long term with invest on Equities. Stock will be choose by fundamental analyze on income quality, financial, and liquidity to get optimum return of investment.

Equity Income Funds will also had chance to invest Foreign Exchange as long as the laws allowed.
Equity Funds
This investment had purpose to take advantage on invest in Capital Market trough Equities, Obligation and Money Market Instrument for middle to long term. It will concentrate on most interesting segment for first of quarter ahead, and can be adjust again for next quarter, with purpose to gain optimum return of investment. Equity Funds will also had chance to invest Foreign Exchange as long as the laws allowed.

Investra “Investment with Extra Benefits” Facilities

Top Up, Switching, and/or Withdrawal facilities of your Investment Value for any time, while you and your families is protected.
Additional Protection, especially for Periodic Premium.
Information for Unit prices (single Unit price) on News paper, Customer Care and Commonwealth Life website.
Statement Transaction report (for Investment value) will be sent to customer on every quarter for Investra single premium and on every transaction for Investra regular premium.

Major Risks Investment on Investra

Unit Value Reduction Risk
Unit value reduction caused by macro economic and security, from another party in Investra management like Bank, another party that publish money market instrument an or obligation and changes in money market instrument as the result of interest rate and Foreign currency movement significantly.
Credit Risk
Credit Risk can occur if the company that publish Obligation and Money market Instrument cannot afford to paid delinquent of amount and delinquent interest. This will impact on Investra return value.
Liquidity Risk
This risk occurs when Investment Manager didn’t have fund or didn’t have available cash to bought back Unit that has been sold
Politic and Economic Risk
Economic changes in local or International, political issue, laws like changes in Constitution, Government rules that had impact on business to change stock value.

Investment Fund Options from Investra

The investment movement from maximum to minimum that not guarantee that investment value will be better or worse form target composition

Investra Return Performance

Fund Type	Unit Price Performance
Fund Type	2005	2006	Since Launched (Nov 2^nd 2004 - Jan 23^rd 2007)
Money Market Plus Funds	7.51%	12.22%	23.04%

Fund Type	Unit Price Performance
Fund Type	2005	2006	Since Launched (Feb 17^th 2004 - Jan 23^rd 2007)
Bond Funds	5,82%	20,96%	36,81%

Fund Type	Unit Price Performance
Fund Type	2005	2006	Since Launched (Feb 17^th 2004 - Jan 23^rd 2007)
Balanced Funds	5,07%	23,93%	43,97%

Fund Type	Unit Price Performance
Fund Type	2005	2006	Since Launched (Oct 4^th 2005 - Jan 23^rd 2007)
Balance Progressive Funds	-	52,84%	55,29%

Fund Type	Unit Price Performance
Fund Type	2005	2006	Since Launched (Oct 4^th 2005 - Jan 23^rd 2007)
Equity Income Funds	-	55,80%	58,31%

Fund Type	Unit Price Performance
Fund Type	2005	2006	Since Launched (Feb 8^th 2005 - Jan 23^rd 2007)
Equity Funds	-	59,76%	93,48%

Past performance didn’t reflect on future performance.

Additional Product (Riders)
1. COMMPayor
Through COMMPayor, Commonwealth Life will assist you to prepare your children's future if unexpected things happen to you as their parents. Commonwealth Life will remain to pay the Customers' Investra Premier Premium if Customer or their spouse pass away during the coverage period or suffered from Permanent Total Disability* before 60 years old or suffered from one of 30 Critical Illness before 65 years old. With COMMPayor, we will continue to cover and investment value remain to grow.

2. COMMSpouse
Through COMMSpouse, Commonwealth Life will remain to pay the Customers' Investra Premier Premium if Customers' spouse pass away during the coverage period or suffered from Permanent Total Disability* before 60 years old or suffered from 30 Critical Illness before 65 years old. With COMMSpouse, we will continue to cover and investment value remain to grow.

3. COMMWaiver
COMMWaiver is made especially to secure the future of Customers' family if Customers suffered from Total Permanent Disability* before 60 years old or suffer from 30 Critical Illness according to the coverage period 55, 60, or 65 years. Commonwealth Life will remain to pay Customers' Investra Premier Premium. With COMMWaiver, we will continue to cover and investment value remain to grow.

4. COMMCrisisCover30
To always be healthy is everyone's expectation, however we can't avoid it when suddenly we are diagnosed to be ill, moreover if it is a Critical Illness, which will cost a lot of money. COMMCrisisCover30 will cover 30 Critical Illness until 70 years old.

What are the benefits?

COMMPayor, COMMSpouse, and COMMWaiver advantages are:
1. Premium that is paid is total Premium that Customer pays every due-date (Regular Premium + Top Up Regular Premium)
2. Commonwealth Life will pay Customers' Premium of the closest premium payment due date after claim is approved.

COMMCrisisCover30
If Customer already has Critical Illness product (that is attached on Investra Premier), then Customer can replace* the previous Critical Illness product with COMMCrisisCover30, and Customer doesn't need to buy a new basic product.

For more information regarding term and conditions or product information, please contact Pusat Services Nasabah CommCenter (021) 52222 123.

*Term and condition applied according to Policy

Investra Benefits Chart

Note :
*) Liabilities Fund will be insured
**) Investment value can be greater or smaller from total Premium that invested. Investment performance not insured depends on each investment fund risk. Policy holder had full control to allocate investment fund that maximize return of investment according to needs and Policy holder profile

Cost Charge

Cost Type

Investra Tunggal

Investra Premier
(Periodical Premium)

Initial Cost

5% from Single Premium

Acquisition Cost

1st year	:	100%
2nd year	:	60%
3rd - 5th	:	15%
6th and so on	:	0%

Liability Cost(Insured Cost)

Single, depens on age

Depends on Liabilities fund, additional Insurance and gender. This cost changes every year according to age.

Initial Premium Top Up Cost

5% x Top Up Premium

Switching Cost Investment Fund Type

(Only applies to 5th switching and so on per annum)
0.5% x Total Investment Funds that transfer

Withdrawal Cost and Investment Redemption Value

Only applies before 3rd year policy
2%x Withdrawal Funds

Only applies before 5th year policy
5% x Withdrawal Funds

Administration Cost

IDR 10.000 monthly

IDR 25.000 per month starting from 2nd year

Investment Manager Cost

1% - 3% (Depends on type of Funds)

Tax

Every withdrawal and redemption changes before 3rd year of policy will charge for income tax from Investment value against total premium plus additional premium or according to rules that applies.

Our Partner, INVESTRA Investment Manager

First State Investment Indonesia Overview

PT First State Investments Indonesia (FSI Indonesia) is a part of Colonial First State-Global Asset Management (CFS-GAM), investment division of The Commonwealth Bank of Australia (CBA) which manage customer’s fund around USD 92,3 billions and also the biggest investment manager company at Australia now. CFS-GAM branch offices broaden at Australia, New Zealand, United Kingdom, Hong Kong, Singapore, and Indonesia, supported by over 600 professional workers all around the world. At Australia, Colonial First State is known by their award achievements from Personal Investor Magazine (2005 Fund Manager of the Year) and Money Management Magazine (1999, 1998, 1996 Overall Fund Manager of the Year Awards).

FSI Indonesia already had Investment Manager License from Badan Pengawas Pasar Modal (BAPEPAM, now BAPEPAMLK) on December 24th 2003 and since activated on February 2004, FSI Indonesia has reliance to manage customer’s fund for over IDR 1,1 trillions. It has an independent guide from experienced and professional worker and also supported by powerful group network globally, FSI Indonesia provides products and skills to complete every investor’s need and risk profile.

Risk Management

As an investment manager, we can’t avoid any risk, but we can handle it carefully, according to risk and return level. Our compliance law is vacantly active on current investment and regulation limit, not only on purchasing effects, but it starts since selecting effect, and still continue in portfolio management. This compliance law is activated by investment manager and operation team, and also continuously controlled by compliance division in separate place to secure the portfolio management in double controlling which targeted to give security and transparence to all the investors.

Management

President Director : Legowo Kusumonegoro

Director : Putut Endro Andanawarih

Investment Committee

R. Hario Soeprobo

Legowo Kusumonegoro

Putut Endro Andanawarih

Investment Team

Kennyarso Soejatman

Suryanto Sandjaja

Rezza Zulkasi

Caroline Rusli

Arman Rizaldy

Head of Compliance

Handityo Tranggono

Our Partner, Deutsche Bank

Short brief of Custodian Bank

Deutsche Bank is the third biggest bank in the world, with assets more than 840 billion Euros (data per December 31st 2004). Deutsche Bank operates in 76 countries in the world and serves 13 million customers. Especially in Indonesia, Deutsche Bank provides custodian since 1994 and Fund Services since 1996. Until now, Deutsche Bank is still the biggest Custodian in Indonesia.